Search found 77 matches

by HenrysPlan2
Mon Jul 30, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14029

Re: Should I Dump a Pile of Money on Young Son?

Well offering 1/2 a new car isn’t the same as offering a new car, so I’m not sure that counts for much. I would at minimum begin cutting some checks for estate planning purposes if you decide not to disclaim the full amount. But I’m in favor of watching my kids enjoy the money that they will inheri...
by HenrysPlan2
Sun Feb 04, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50496

Re: Today was a Really Bad Day

Looks like Monday mostly a bad day again, Selling all 401k fund to buy US treasury
by HenrysPlan2
Sun Feb 04, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 9200

Re: Alan Greenspan says there are bubbles in both stocks and bonds

Looks like Asian market keep dropping. I am pulling the trigger selling all the 401k fund and buying safe US treasury. Might leave the taxable for a few days first
by HenrysPlan2
Sun Feb 04, 2018 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50496

Re: Today was a Really Bad Day

What happens if the interest rate rise? Will the stock and real estate drop?
by HenrysPlan2
Sat Feb 03, 2018 1:49 am
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 9200

Re: Alan Greenspan says there are bubbles in both stocks and bonds

I am kind of considering selling, maybe it’s silly, but my funds are newly in the market for only 1-2 months. Scary time when they said interest rate goes up and bond yield rise then stock crash? Why is that? Isn’t stock hedge inflation? Could anyone explain why the market so panic? Frankly, if a 2...
by HenrysPlan2
Sat Feb 03, 2018 1:26 am
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 9200

Re: Alan Greenspan says there are bubbles in both stocks and bonds

I am kind of considering selling, maybe it’s silly, but my funds are newly in the market for only 1-2 months. Scary time when they said interest rate goes up and bond yield rise then stock crash? Why is that? Isn’t stock hedge inflation? Could anyone explain why the market so panic?
by HenrysPlan2
Sat Feb 03, 2018 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50496

Re: Today was a Really Bad Day

I am kind of considering selling, maybe it’s silly, but my funds are newly in the market for only 1-2 months. Scary time when they said interest rate goes up and bond yield rise then stock crash? Why is that? Isn’t stock hedge inflation?
by HenrysPlan2
Fri Feb 02, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 9200

Re: Alan Greenspan says there are bubbles in both stocks and bonds

But it’s scary with the big drops today and last two days. Feels scary since my funds are new to the market
by HenrysPlan2
Fri Feb 02, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 9200

Stock and Bond bubble ?

[Thread merged into here, see below. --admin LadyGeek] Alan Greenspan said both in bubble and bursting soon? if both in bubble, thinking moving some stock to cash, I just start putting in the fund 2 months ago. https://www.cnbc.com/2018/01/31/alan-greenspan-says-there-are-bubbles-in-both-stocks-and...
by HenrysPlan2
Wed Jan 24, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: If we worry about interest rate/ inflation, why don't we buy Short-Term bond ?
Replies: 17
Views: 2124

If we worry about interest rate/ inflation, why don't we buy Short-Term bond ?

I only see people in this forum talked about Intermediate tax exempt bond, not the Vanguard Short-Term Tax-Exempt Fund Investor Shares (VWSTX).
isn't it better to buy short term bond due to interest rate set to rise?
by HenrysPlan2
Tue Jan 23, 2018 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Dust is settling.. feedback on what's next
Replies: 17
Views: 2194

Re: Dust is settling.. feedback on what's next

From the above referenced link is a prioritized list. I think it makes a lot of sense. 0. Establish an emergency fund to your satisfaction 1. Contribute to your 401k up to any company match 2. Pay off any debts with interest rates ~5% or more above the 10-year Treasury note yield. 3. Max HSA 4. Max...
by HenrysPlan2
Fri Jan 19, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: successful Boglehead business owner, could please you share?
Replies: 6
Views: 1039

Re: successful Boglehead business owner, could please you share?

That’s correct. I am 40 years old now, not sure if I could ever able to start a successful business
by HenrysPlan2
Thu Jan 18, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: successful Boglehead business owner, could please you share?
Replies: 6
Views: 1039

successful Boglehead business owner, could please you share?

I am always curious how people started their business as I can't think of a business to start for the pass 10 years, and I would like to be a business owner one day. 1) what kind of business are you in, please be more specific if you could? 2) How did you get in this business and how long have you b...
by HenrysPlan2
Mon Jan 15, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: “Better Buy” Total US or International ?
Replies: 36
Views: 4831

Re: “Better Buy” Total US or International ?

Very interesting discussion. The Vanguard Target funds seem to all be around 40% international for their stock allocations. Within a taxable account, are there pros or cons from a tax standpoint with regards to total US (VTSAX) vs total international (VTIAX)? Thanks! genefl: I believe that Total In...
by HenrysPlan2
Mon Jan 15, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: International stocks underperformed for the last 20 years.
Replies: 148
Views: 17235

Re: International stocks underperformed for the last 20 years.

That is the tax law, but it doesn't correspond to what mutual funds actually do. Vanguard Total International has had about 70% qualified dividends. Vanguard Total Stock Market has had 100% qualified dividends every year but one, with 94% in 2013. (The IRS allows a fund with 95% or more qualified d...
by HenrysPlan2
Sun Jan 14, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 46
Views: 6362

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

Hi Bogleheads community, I'm looking to add 200k to my investment portfolio and have this itch to take a little more risk with the money. I'm willing to take more risk with this new money because I already have a 3fund. I am 29 and won't need access to this money for a while (20+ years). I know the...
by HenrysPlan2
Sat Jan 13, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: California 529 plan
Replies: 7
Views: 1441

Re: California 529 plan

I have CA 529. DD just finished undergrad. DS is still in HS. It’s worth it. You don’t get deduction putting in but not paying tax on the gains is great. We started with a target fund but were unhappy with the returns. We switched to 100% stocks. Worked out for us. Your mileage may vary. The only a...
by HenrysPlan2
Sat Jan 13, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: loads and fees Vanguard mutual fund and ETF
Replies: 8
Views: 696

Re: loads and fees Vanguard mutual fund and ETF

Thank you, I am only buying vanguard emerging market, total stock market, total international, intermediate tax excemt fund, those no fees?
by HenrysPlan2
Sat Jan 13, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: A few questions on taxable fund bond fund investments....
Replies: 18
Views: 1508

Re: A few questions on taxable fund bond fund investments....

Hello again, I am in the highest tax bracket....I am sorry, I don't understand how I should focus on dividend payment and not be concerned about loss of principal with interest rate hikes. If you lose principal, you lose shares owned in the fund, right? If you own less shares, your monthly dividend...
by HenrysPlan2
Fri Jan 12, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: California 529 plan
Replies: 7
Views: 1441

Re: California 529 plan

I have a California 529 plan. ER are pretty low. Yes it sucks we don't get a state income tax deduction but no tax on the earnings is still a good benefit if you start saving early. We opened one right when my daughter was born. That's about 18 years of compounded growth. Yes it effects your potent...
by HenrysPlan2
Fri Jan 12, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: loads and fees Vanguard mutual fund and ETF
Replies: 8
Views: 696

Re: loads and fees Vanguard mutual fund and ETF

Generally there is no difference between the Vanguard mutual fund and ETF vehicles for tax purposes if investing in the same fund (the funds are structured as a single pool of money with share classes, so mutual funds and ETFs are just two vehicles). If buying Vanguard mutual funds and ETFs at Vang...
by HenrysPlan2
Fri Jan 12, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: loads and fees Vanguard mutual fund and ETF
Replies: 8
Views: 696

loads and fees Vanguard mutual fund and ETF

I wonder holding vanguard Mutually fund is better or ETF for tax purpose? I know the ETF is more flexible. I also wonder if any loads or fees buying and selling the Vanguard mutual fund or ETF?
by HenrysPlan2
Thu Jan 11, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 162
Views: 22066

Re: Is holding bonds now dangerous?

...The relationship between yield and bonds is pretty straightforward, this isn't something that I made up, it is taught in freshman finance and is the basis of fixed income markets worldwide. Surprised this is a topic of discussion. Sure over periods of a year or two anything can happen, especiall...
by HenrysPlan2
Thu Jan 11, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: California 529 plan
Replies: 7
Views: 1441

California 529 plan

any one having california 529 education plan? Since it does not have state deduction and also potentially affect future financial aid. I am thinking if it's a good idea to have this account. we have two children 10 and 3.
by HenrysPlan2
Mon Jan 08, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for large sum
Replies: 35
Views: 2790

Re: Asset allocation for large sum

Unfortunately I was so spooked by the 2008 crash that I never quite got back in. I was going to finally have the balls to get back in 2016 but then I heard Trump is going to absolutely wreck the market, of course the exact opposite happened. considering most are assessing the likelihood of a pullba...
by HenrysPlan2
Wed Jan 03, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: How soon to convert the Traditional IRA to Roth IRA?
Replies: 6
Views: 1072

How soon to convert the Traditional IRA to Roth IRA?

dear all, I just bought $5500 traditional IRA for the year 2018 today. I would like to know how soon I can backdoor to Roth IRA? and when is the ideal time frame to do the conversion?
by HenrysPlan2
Thu Dec 07, 2017 3:40 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 11573

Re: Which crash have you seen it before it is coming?

At no other time have I had any worry about a significant crash. All that said... I don't feel like there is currently anything much to worry about, but who knows? I don't pretend to be any kind of guru, and I don't have faith I'll predict the next one. I mean, despite a 2 for 2 track record, there...
by HenrysPlan2
Sun Dec 03, 2017 11:16 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 11573

Re: Which crash have you seen it before it is coming?

Hmm. This may sound self serving, but it is what it is. In any case, I'm not wise, maybe got a bit lucky and borrowed some decent insights. In Jan of 2000 I was convinced it was a matter of time before the market took a big dive. In particular there were multiple articles discussing the valuation i...
by HenrysPlan2
Tue Oct 24, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: input needed on this book by Robert T. Kiyosaki in the "Rich Dad" series. Helping a friend.
Replies: 14
Views: 2435

Re: input needed on this book by Robert T. Kiyosaki in the "Rich Dad" series. Helping a friend.

The sure thing successful small business will earn n much more. The problem is what kind of business and how?
by HenrysPlan2
Sat Oct 14, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by HenrysPlan2
Sat Oct 14, 2017 12:27 am
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 5172

Re: Offensive Valuations

I'd like to post this and get replies. I am a business analyst by trade for a mega corp, so this is how I think. 1. I treat the S&P 500 as a "business", for which I can buy shares of this business. 2. As an analyst I know how fudged most of the accounting is, and so I use what nobody can really 'ad...
by HenrysPlan2
Sat Oct 14, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 5172

Re: Offensive Valuations

snarlyjack wrote:
Fri Oct 13, 2017 7:52 pm
Here is Warren Buffett big prediction of
1 Million on the Dow in the next 100 years,
by 2117. So I guess the markets going up...

https://www.usatoday.com/story/money/20 ... 707440001/
Sorry I can't be there to enjoy even Dow hits $100m
by HenrysPlan2
Fri Oct 13, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

Henry, I'm late to this party and I am sure you have received a lot of good advice. As to your original post, not even some of the more notable active/conservative fund managers have zero percent in stocks. If you are really interested or concerned with valuations, you may find some of Grantham's i...
by HenrysPlan2
Fri Oct 13, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

Just added another $50k to Total stock index. but still don't know what I am doing. Don't worry. That's the beauty of index investing. You don't have to know anything to be average. Some of the folks who "know what they're doing" will wind up doing worse. Prepare for one of 3 things to happen betwe...
by HenrysPlan2
Thu Oct 12, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

very interesting to have another info on the current P/E which is 86.9% higher than historical mean and expected negative 2.5% annual return.. Shiller P/E: 31.4 ( %) Shiller P/E is 86.9% higher than the historical mean of 16.8 Implied future annual return: -2.5% Historical low: 4.8 Historical high: ...
by HenrysPlan2
Wed Oct 11, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by HenrysPlan2
Wed Oct 11, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

Henry, I guess I'm a bit confused by this: I dont to want to see my hard earned money to sink. We just started putting roughly $500k to taxable account last month that I am thinking to move it to intermediate tax exempt bond. If the money was appreciated from the stock, I would feel more comfortabl...
by HenrysPlan2
Wed Oct 11, 2017 4:25 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

Sure, if you could just invest in stocks during the good times, and avoid stocks in the bad times, you'd make more. But there are too many variables to make predicting the stock market possible. A single variable like PE ratio is not enough. PE ratios have been historically high since 1992. (Since ...
by HenrysPlan2
Tue Oct 10, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

We just started putting roughly $500k to taxable account last month that I am thinking to move it to intermediate tax exempt bond. Why did you do that now if you are so worried? Paul [/quote] I did nothing yet, leaving $500k in stock. However we still have about $600k in the bank and we are selling...
by HenrysPlan2
Tue Oct 10, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

Why do you thing Bond won't crash? If the company (or even a country) is bankrupt, the bond will lose value. Bond has bubble also because of low interest. I think the intermediate tax exempt bond mostly with city and county bond, not so much cooperate bond? Also feels much safer as 2008 crash the b...
by HenrysPlan2
Tue Oct 10, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

The problem with the market timing approach is that you have to be right TWICE. So you sell out now and two years from now the market, after going up 7% per year has a typical recession drop of 25%. Do you buy back in then or wait for another 25% drop? What if it then bounces up 10% after the 25% d...
by HenrysPlan2
Tue Oct 10, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

To me it sounds like you haven't clearly defined the purpose for this chunk of money, hence your reluctance to keep it invested. If you were truly committed to remaining invested for the long-term - at least 10 years, preferably more - what would it matter if the value temporarily dips along the wa...
by HenrysPlan2
Tue Oct 10, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

What do you guys also think a long term rental home would also have very good return say 30 years. We currently still have 4 rental homes which we try to keep 3 for long term(20 plus years) and selling one next year.
by HenrysPlan2
Tue Oct 10, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

fipt2030 wrote:
Tue Oct 10, 2017 5:10 am
My AA calls for 70/30, Bonds/stocks

Interest rates are gonna go up, I am not ready to lose my principal when it happens and Just can't seem to jump in now
Did you invested all $2m for sold of business? With 70% I bond and 43 years old?
by HenrysPlan2
Tue Oct 10, 2017 3:16 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

All I was saying it is much more risky to put in stock now. You can treat it like a joke, but PE at 30 is real, how many times you see the market with P/E ratio 30? It's not about timing the market, it's about assess the risk. For example, you could kind of see the housing market about to crash with...
by HenrysPlan2
Mon Oct 09, 2017 11:36 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

The aphorism "Time in the market beats market timing." is true if you have enough time. You can find several posts that illustrate that investing at market peaks is profitable over the long run even if you only invest at market peaks. However, I don't recall any posts that illustrate how well you w...
by HenrysPlan2
Mon Oct 09, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

I am in a similar boat, with sweat money in cash ( 13 yr expenses) in taxable account Can't seem to pull the trigger About 4 yr expenses worth, in tax deferred accounts, in bond funds I am in early 40's I know your feeling. The DOW was 6600 and now 22000. I had some cash somewhere $400k to $600k si...
by HenrysPlan2
Mon Oct 09, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 16937

Re: 100% in bond to wait for market crash?

100% in bond to wait for market crash? A buddy of mine did that two years ago. He's still waiting. Two years ago is a lot lower than now That's the point. Someone who got out of the market two years ago waiting for the "imminent crash" has really missed out on some opportunities to grow their porto...